RSPCA Pet Insurance

Compare 3 levels of pet insurance and cover up to $11,000 in veterinary bills with RSPCA.

Because each pet owner has different needs and wants when it comes to looking after their furry friend, RSPCA Pet Insurance offers three different cover options. These plans are the Basic Accident Only Cover plan, the Economy Accident & Illness Cover plan and the Ultimate Accident & Illness Cover plan. Each cover option provides a different level of cover so that customers can find a policy that suits both their cover needs and their budget. To top it all off, a portion of your premiums go to the RSPCA to support them in helping other Australian animals.

Compare the features of RSPCA Pet Insurance

For a better idea of the exact protection offered under each plan, compare features in the table of benefits below:

What’s covered?RSPCA Ultimate Accident & Illness CoverRSPCA Economy Accident & Illness CoverRSPCA Basic Accident Only Cover
Age of petsEntry from 8 weeks to younger than 9 years of age. Once insured cover can be kept for lifeEntry from 8 weeks to younger than 9 years of age. Once insured cover can be kept for lifeEntry from 8 weeks
Maximum yearly benefit amount$11,000$11,000$7,000
Multi-pet discount10%10%10%
Cover for accidentsYesYesYes
Cover for illnessesYesYesNo
Benefit percentage80%75%80%
Routine care benefitYesNoNo
Overall annual claim maximum$11,000 plus routine care cover$11,000$7,000
Yearly paralysis tick benefit1,200$1,000No
Emergency boarding fees when you’re hospitalised for five or more consecutive days during the policy period$1,000$1,000$500
Waiting period30 days for illnesses, 6 months for cruciate ligament injuries30 days for illnesses,6 months for cruciate ligament injuries6 months for cruciate ligament

Dog Insurance

Every dog lover wants to give their pooch the best* possible care and veterinary treatment — when you consider all the love and joy they bring into our lives, it really is the least we can do. With an RSPCA Dog Insurance policy in place, you won’t have to compromise when it comes to giving your dog the treatment they need.

RSPCA offers three different policies to suit a range of needs.

RSPCA Basic Accident Only Cover
  • If you want basic cover for those worst case scenario injuries that could end up costing you thousands, Basic Accident Only Cover can provide the protection you need.
RSPCA Economy Accident & Illness Cover
  • If you want to protect your wallet against the costs involved when your dog suffers an illness, RSPCA Economy Accident & Illness Cover offers more comprehensive coverage for your pooch.
RSPCA Ultimate Accident & Illness Cover
  • If you want to give your pet the best* protection possible, the Ultimate plan offers their most comprehensive coverage and the option of a routine care benefit, which helps you take care of things like heartworm tests, desexing and microchipping.

With RSPCA Pet Insurance, you can take out cover for up to 80% of your pet’s eligible vet bills, up to an annual limit of $11,000. This means you won’t have to think twice when it comes to choosing a treatment option for your four-legged friend.

Once your dog is insured, you can continue to renew coverage for the rest of their life. There’s also a 10% discount when you insure more than one pet and RSPCA Pet Insurance prides itself on providing a fast and stress-free claims process.

Cat Insurance

Though it’s often said that cats always land on their feet, this isn’t necessarily true. Illness and injury can wreak havoc on your feline’s health, which can in turn result in some significant damage to your hip pocket. But if you have RSPCA Cat Insurance, you’ll be able to enjoy much-needed financial protection and the freedom to give your pet the best* possible care.

  • Choice. You can choose from three cover options to suit your needs and budget.
  • Cover. Get back up to 80% of your eligible vet bills.
  • Maximum Benefit. An annual benefit limit of $11,000 will help you take care of the expensive cost of treatment, while the fact that you don’t have to pay an excess helps keep more money in your pocket.

You are able to take your cat to any licensed vet within Australia for treatment, while there’s a 10% discount available when you insure more than one pet. The claims process is quick and stress-free, and a portion of your premiums go to the RSPCA to help them provide protection for all creatures great and small across Australia.

RSPCA Basic Accident Only Cover

As the name suggests, RSPCA Pet Insurance Accidental Injury Cover steps in to help cover your vet bills when your cat or dog suffers an accidental injury. Your policy will cover up to 80% of eligible vet treatment bills to ensure that you can give your pet the best* possible care.

RSPCA Pet Insurance Accidental Injury Cover will pay a benefit when your pet suffers an injury as a direct result of:

  • a motor vehicle incident
  • being burned or electrocuted
  • an allergic reaction to an insect bite, excluding flea and tick bites
  • a bone fracture
  • snake bite toxicity
  • a traumatic ligament or tendon injury
  • a bite wound or abscesses from fight wounds
  • lacerations or abrasions of tissue, skin or mucous membrane caused by external violence.

However, there are a range of injuries for which a benefit will not be paid. These include pre-existing conditions, patella luxations, elbow dysplasia, fractures teeth, toxicity and intervertebral disc disease. If you're concerned, ensure you the PDS for a full list of exclusions.

RSPCA Economy Accident & Illness Cover

Under RSPCA’s Illness Cover, your policy will cover up to 75% of your vet bills when your pet receives treatment for a range of accidents and illnesses. These include cancer, hereditary problems, skin conditions and many more. Pre-existing conditions are generally excluded. If you're concerned about whether your pet is eligible, ensure you read the exclusions outlined in the PDS in detail.

RSPCA Ultimate Accident & Illness Cover

RSPCA's Ultimate Accident & Illness is the most comprehensive cover option for your furry friend. It covers up to 80% of your vet bills when your pet receives treatment for a range of illnesses and accidents. For extra protection, you also have to option to take out added routine care cover. However some exclusions do apply. These include:

  • illnesses that arise from pre-existing conditions or that occur during the waiting period
  • illnesses for which there is a known vaccination. For dogs this list includes kennel cough, parvovirus, canine hepatitis, canine distemper and parainfluenza. For cats this includes cancer, hereditary problems, skin conditions, calicivirus, herpes, cat flu, Feline Immuno Deficiency Virus and Feline Infectious Peritonitis
  • any pandemic that causes widespread illness
  • more than one occurrence of swallowing a foreign object that results in a blockage or obstruction that requires either surgical or endoscopic removal.

Other benefits of RSPCA's Pet Insurance

RSPCA's Pet Insurance has a range of other benefits at no added cost. These include:

  • Emergency Boarding. If you are the sole carer of your pet and you are hospitalised for more than five consecutive days, your policy will cover the cost of boarding your pet at a licensed kennel or cattery. However, you won’t be covered if you are hospitalised due to pregnancy, cosmetic surgery or a pre-existing condition.
  • Essential Euthanasia. If your vet deems that it is a humane and essential course of action to have your pet put down, the cost involved will be covered by your insurance policy. Non-essential euthanasia and the burial or cremation of your pet are not covered.
  • Paralysis Tick Benefit. If your pet requires treatment for tick paralysis, the cost of this will be covered by your policy up to the benefit limit. However, keep in mind that tick preventative treatments are not included in your policy.
  • Pet Overseas Travel Insurance. If your pet is travelling abroad with you and requires treatment while overseas, your RSPCA Pet Insurance policy can provide cover for the resulting vet expenses. However, you won’t be covered if your pet will be outside Australia for more than 60 consecutive days.

What additional cover options are there?

If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:

  • $15 a year for heartworm test or blood screen
  • FeLV/FIV test or urinalysis – $15 a year
  • a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.

What exclusions are there?

Just like any other insurance policy, RSPCA Pet Insurance contains a list of general exclusions. Your claim will not be paid if it is a result of:

  • any pre-existing conditions
  • dental procedures, dental diseases, teeth fractures, gingivitis and teeth cleaning
  • the cost of pet food, regardless of whether it is regular food or a prescription diet
  • vitamin and mineral supplements
  • preventative veterinary procedures, such as vaccinations, anal gland expression and parasite control
  • grooming and bathing of your dog or cat
  • accessories for your pet, such as crates, bowls, bedding and collars
  • the cost of training, socialisation and any therapy for your pet. Alternative therapies are also not covered
  • treatment while your pet is used for commercial or occupational purposes, such as racing or law enforcement. Guide Dogs and assistance Dogs are exempt from this exclusion
  • treatment for behaviour problems such as anxiety disorders and phobias
  • cell-replacement therapies
  • medication that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
  • you deciding to pursue a course of treatment other than that recommended by your vet
  • breeding or obstetrics
  • ambulance fees and non-essential hospitalisation
  • house calls from your vet except in emergency situations
  • organ transplant surgery or prosthetic limbs
  • routine examinations, hip and elbow scoring, elective treatments
  • a malicious act or deliberate injury caused by you
  • your failure to take all reasonable steps to protect your pet.

Ensure you read the PDS in detail if you are concerned about any exclusions.

RSPCA Pet Insurance FAQs

Q. Do I need pet insurance?

  • A. This will depend on your personal feelings and how likely you are to be able to afford expensive vet bills. If you want to give your pet the best possible care and never want to have to compromise on treatment, consider taking out cover.

Q. How much of my vet bills are covered?

  • A. Under Basic Accident Only Cover and Ultimate Accident & Illness Cover, 80% of your eligible vet bills will be covered This figure drops to 75% under Economy Accident & Illness Cover.

Q. Will I have to pay an excess?

  • A. No, there is no excess you will have to pay when making a claim. However, you should be aware that each claim will pay up to the maximum percentage for each eligible vet bill.

Q. Can I take out lifelong cover for my pet?

  • A. Yes. Once you take out cover you are able to continue insuring your pet for life. Illness Cover can be applied for if your pet is aged between eight weeks and nine years, while there is no upper age limit when it comes to Accidental Injury Cover.

Whether you’re a cat person or dog crazy, looking after your pet is one of the most important things in your life. RSPCA Pet Insurance offers a range of cover options to help you give your pooch or feline the best possible protection available, so compare these policies with others on the market to find the right type and level of cover for your pet.

* The offers compared on this page are chosen from a range of products has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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16 Responses to RSPCA Pet Insurance

  1. Default Gravatar
    debbielg | September 18, 2016

    Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?

    • Staff
      Richard | September 20, 2016

      Hi Debbie,

      Thanks for your question. is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.

      If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.

      All the best,

  2. Default Gravatar
    paul | August 6, 2016

    i got a small dog call king charles but has anal gland want best insurance

    • Staff
      Richard | August 9, 2016

      Hi Paul,

      Thanks for getting in touch. is a comparison service and we are not permitted to provide our users with personalised product recommendations. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.

      All the best,

  3. Default Gravatar
    Bill | July 7, 2016

    Do the premiums increase with each year as/because the dog ages?
    How long does it take for reimbursement?
    Cheers Bill

    • Staff
      Richard | July 8, 2016

      Hi Bill,

      Thanks for your question. Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance policy disclosure statement (PDS). is a comparison service and RSPCA Pet Insurance is not currently part of the panel of pet insurance brands we compare.

      I hope this was helpful,

  4. Default Gravatar
    Sandra | January 5, 2016

    I wish to cancel my policy as we know longer have the cat have given the cat to our daughter to replace the one she lost

    • Staff
      Richard | January 6, 2016

      Hi Sandra,

      Thanks for your question. is a comparison service. You’ll need to contact RSPCA directly which you can do so by calling 1300 881 492.

      I hope this was helpful,

  5. Default Gravatar
    Deborah | September 4, 2015

    Hi, I already have 2 cats insured (3.5yo & 3yo) and have just adopted a dog to rescue him from being euthanized. The dog is a 13-14yo Jack Russell cross. Which cover can I get for him to add on to my existing policy?

    • Staff
      Richard | September 4, 2015

      Hi Deborah,

      Thanks for question. According to the RSPCA Pet Insurance FAQs page, while there are no age limits for Accidental Injury Cover, dogs and cats nine years and older cannot be covered for RSPCA Economy Accident & Illness Cover or RSPCA Ultimate Accident & Illness Cover.

      I hope this was helpful,

  6. Default Gravatar
    JenJen | April 21, 2015

    I have RSPCA Ultimate Pet cover for my 2.5yr dog. She has been covered by this insurance since she was 10 weeks old. Recently she was diagnosed with a ‘floating kneecap’. This is not a pre existing condition and will need an operation by an orthopedic surgeon. Is my dog covered to the usual 80% benefit.

    • Staff
      Richard | April 22, 2015

      Hi Jenjen,

      Thanks for your question. You ought to be cover. However, you will need to contact RSPA Pet Insurance for a definitive answer.


  7. Default Gravatar
    chenie | February 10, 2015


    I am on the ultimate cover with RSPCA and my puppy is due in for surgery for Hernia repair. But i have realized he is not up to date with his vaccinations.

    Will i still be covered?

    • Staff
      Richard | February 10, 2015

      Hi Chenie,

      Thanks for your question. Whether or not your puppy is covered depends on whether or not vaccinations is mentioned in your schedule of benefits as an exclusion if shots are not up to date. Your best bet is to get in contact with RSPCA and ask them whether or not you’re covered. You can reach them by calling 1300 881 492.

      I hope this was helpful,

  8. Default Gravatar
    Stephanie | December 10, 2014


    I have the Ultimate Cover for my puppy and he has recently been desexed. I am wondering if he is covered, how much coverage percentage I can claim and how I can claim it.

    Please email me back at your earliest convenience.

    Kinds Regards


    • Staff
      Richard | December 11, 2014

      Hi Stephanie,

      Thanks for your question. RSPCA Pet Insurance allows policyholders to claim for up to 80%, which is designed to help pet owners cope with unexpected expenses. However not all vet bills are covered. Unless it is stated on your Certificate of Insurance, desexing is not covered as it is an elective procedure.

      I hope this was helpful,

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